Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services and other service providers, their customers, and asset investors in the United States, Israel, and the Cayman Islands. The company develops and implements proprietary artificial intelligence technology and related software solutions to assist partners to originate loans and other assets. Its partners include financial technology companies, incumbent banks and financial institutions, auto finance providers, and residential real estate service providers. The company was incorporated in 2016 and is headquartered in New York, New York.
AI-Driven Fintech | Pagaya's unique B2B2C model leverages AI for credit underwriting, enabling efficient scaling and diversification into auto and point-of-sale lending |
Financial Trajectory | Projected EBITDA margins to rise from 10.1% to 29.7% by 2027, with GAAP profitability expected in Q1 2025 and net income margins reaching 11.6% by 2027 |
Strategic Alliances | Klarna partnership poised to generate over $1B in originations, with potential 18.5% increase in network volume by 2025 through the Walmart deal |
Analyst Optimism | Price targets range from $20 to $26, reflecting confidence in Pagaya's growth potential despite challenges in credit risk management and market competition |
Metrics to compare | PGY | Sector Sector - Average of metrics from a broad group of related Technology sector companies | Relationship RelationshipPGYPeersSector | |
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P/E Ratio | −7.8x | −42.6x | 11.9x | |
PEG Ratio | 0.09 | −0.86 | 0.01 | |
Price/Book | 6.0x | 4.5x | 2.4x | |
Price / LTM Sales | 1.9x | 6.8x | 2.2x | |
Upside (Analyst Target) | 36.0% | 50.4% | 20.2% | |
Fair Value Upside | Unlock | −1.9% | 5.9% | Unlock |